See How I Increase credit history by implementing the following approach to improving my credit scores :
I got copies of my credit reports including scores from the three major credit reporting agencies, Experian, Transunion and Equifax.
I review these reports in detail noting any screw ups in my personal profile like, inaccurate or multiple social security numbers, misspelled name or multiple adaptations of my name, inaccurate address and previous places of employment. I also review for wrong information related to credit accounts, whether delinquent payment notations were correct, was the account mine, was I an allowed user or first owner of the account, is the account open or closed. I would have liked to find all of the gaffes and misstatements in my credit report that would have an impact on my credit worthiness scores.
I wrote dispute letters providing correct info concerning my private profile and I challenged the wrong information related to my credit accounts requesting the specific agencies to verify the data. I sent the letters certified return receipt.
If I didn't hear from the reporting agencies inside thirty days, I followed up with a second letter requesting a standing update of the corroboration process. I also included a copy of my original dispute letter and a copy of the signed return receipt card to be certain that the agencies recognize that this letter wasn't my first request and that the 30 days response time by them needed under Fed. law had been violated.
If after reinvestigating my complaint and the dispute wasn't resolved to my satisfaction, I requested that my statement of the dispute be included in my credit file and any future reports.
I followed this approach conscientiously with patience, as well as, changing my spending and bill paying habits to put me on the path to skyrocketing my credit score, spotting that there aren't any fast fixes to correcting my credit.
I got copies of my credit reports including scores from the three major credit reporting agencies, Experian, Transunion and Equifax.
I review these reports in detail noting any screw ups in my personal profile like, inaccurate or multiple social security numbers, misspelled name or multiple adaptations of my name, inaccurate address and previous places of employment. I also review for wrong information related to credit accounts, whether delinquent payment notations were correct, was the account mine, was I an allowed user or first owner of the account, is the account open or closed. I would have liked to find all of the gaffes and misstatements in my credit report that would have an impact on my credit worthiness scores.
I wrote dispute letters providing correct info concerning my private profile and I challenged the wrong information related to my credit accounts requesting the specific agencies to verify the data. I sent the letters certified return receipt.
If I didn't hear from the reporting agencies inside thirty days, I followed up with a second letter requesting a standing update of the corroboration process. I also included a copy of my original dispute letter and a copy of the signed return receipt card to be certain that the agencies recognize that this letter wasn't my first request and that the 30 days response time by them needed under Fed. law had been violated.
If after reinvestigating my complaint and the dispute wasn't resolved to my satisfaction, I requested that my statement of the dispute be included in my credit file and any future reports.
I followed this approach conscientiously with patience, as well as, changing my spending and bill paying habits to put me on the path to skyrocketing my credit score, spotting that there aren't any fast fixes to correcting my credit.
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